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KLARNA GROUP PLC (KLAR) Stock Fundamental Analysis

USA - NYSE:KLAR - GB00BMHVL512 - Common Stock

37.07 USD
0 (0%)
Last: 10/21/2025, 6:08:19 PM
37.15 USD
+0.08 (+0.22%)
After Hours: 10/21/2025, 6:08:19 PM
Fundamental Rating

3

KLAR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. The financial health of KLAR is average, but there are quite some concerns on its profitability. KLAR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

KLAR had positive earnings in the past year.
KLAR had a positive operating cash flow in the past year.
KLAR Yearly Net Income VS EBIT VS OCF VS FCFKLAR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.14%, KLAR is doing worse than 68.69% of the companies in the same industry.
KLAR has a worse Return On Equity (0.97%) than 66.67% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KLAR Yearly ROA, ROE, ROICKLAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

With a Profit Margin value of 0.75%, KLAR is not doing good in the industry: 69.70% of the companies in the same industry are doing better.
The Operating Margin and Gross Margin are not available for KLAR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 0.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KLAR Yearly Profit, Operating, Gross MarginsKLAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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5

2. Health

2.1 Basic Checks

KLAR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for KLAR remains at a similar level compared to 1 year ago.
Compared to 1 year ago, KLAR has a worse debt to assets ratio.
KLAR Yearly Shares OutstandingKLAR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
KLAR Yearly Total Debt VS Total AssetsKLAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

KLAR has an Altman-Z score of 1.62. This is a bad value and indicates that KLAR is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of KLAR (1.62) is better than 67.68% of its industry peers.
The Debt to FCF ratio of KLAR is 28.11, which is on the high side as it means it would take KLAR, 28.11 years of fcf income to pay off all of its debts.
KLAR's Debt to FCF ratio of 28.11 is in line compared to the rest of the industry. KLAR outperforms 43.43% of its industry peers.
KLAR has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.25, KLAR is in the better half of the industry, outperforming 62.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Altman-Z 1.62
ROIC/WACCN/A
WACC9.17%
KLAR Yearly LT Debt VS Equity VS FCFKLAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

KLAR has a Current Ratio of 7.36. This indicates that KLAR is financially healthy and has no problem in meeting its short term obligations.
KLAR has a Current ratio of 7.36. This is amongst the best in the industry. KLAR outperforms 95.96% of its industry peers.
A Quick Ratio of 7.36 indicates that KLAR has no problem at all paying its short term obligations.
The Quick ratio of KLAR (7.36) is better than 95.96% of its industry peers.
Industry RankSector Rank
Current Ratio 7.36
Quick Ratio 7.36
KLAR Yearly Current Assets VS Current LiabilitesKLAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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3

3. Growth

3.1 Past

KLAR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.96%, which is quite impressive.
Looking at the last year, KLAR shows a very strong growth in Revenue. The Revenue has grown by 23.51%.
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.96%
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%

3.2 Future

The Earnings Per Share is expected to grow by 156.27% on average over the next years. This is a very strong growth
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y92.1%
EPS Next 2Y218.04%
EPS Next 3Y156.27%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
KLAR Yearly Revenue VS EstimatesKLAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 500M 1B 1.5B 2B 2.5B
KLAR Yearly EPS VS EstimatesKLAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 617.83, KLAR can be considered very expensive at the moment.
KLAR's Price/Earnings ratio is a bit more expensive when compared to the industry. KLAR is more expensive than 79.80% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.77. KLAR is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 61.08, which means the current valuation is very expensive for KLAR.
77.78% of the companies in the same industry are cheaper than KLAR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of KLAR to the average of the S&P500 Index (23.23), we can say KLAR is valued expensively.
Industry RankSector Rank
PE 617.83
Fwd PE 61.08
KLAR Price Earnings VS Forward Price EarningsKLAR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600

4.2 Price Multiples

KLAR's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. KLAR is more expensive than 69.70% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, KLAR is valued a bit more expensive than 61.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 736.05
EV/EBITDA 164.84
KLAR Per share dataKLAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates KLAR does not grow enough to justify the current Price/Earnings ratio.
KLAR's earnings are expected to grow with 156.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.71
PEG (5Y)N/A
EPS Next 2Y218.04%
EPS Next 3Y156.27%

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0

5. Dividend

5.1 Amount

No dividends for KLAR!.
Industry RankSector Rank
Dividend Yield N/A

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KLARNA GROUP PLC

NYSE:KLAR (10/21/2025, 6:08:19 PM)

After market: 37.15 +0.08 (+0.22%)

37.07

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap13.99B
Analysts85.71
Price Target54.06 (45.83%)
Short Float %3.13%
Short Ratio1.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 617.83
Fwd PE 61.08
P/S 4.98
P/FCF 736.05
P/OCF 736.05
P/B 6.44
P/tB 12.38
EV/EBITDA 164.84
EPS(TTM)0.06
EY0.16%
EPS(NY)0.61
Fwd EY1.64%
FCF(TTM)0.05
FCFY0.14%
OCF(TTM)0.05
OCFY0.14%
SpS7.45
BVpS5.75
TBVpS3
PEG (NY)6.71
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.75%
GM N/A
FCFM 0.68%
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Debt/EBITDA 8.48
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion 30.16%
Profit Quality 90.48%
Current Ratio 7.36
Quick Ratio 7.36
Altman-Z 1.62
F-ScoreN/A
WACC9.17%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.96%
EPS Next Y92.1%
EPS Next 2Y218.04%
EPS Next 3Y156.27%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A